Bank Loans

I received $60k loan from UOB, $20k loan from Standard Chartered Bank at 3.88% per annum and $27k loan from Maybank at 7.7% per annum. Several banks called me to loan money but I have to put a stop to this before debt comes spiraling. I guess, I might want to return the $27k from Maybank unless I use the money to buy blue chip shares at higher returns. But then again the stock market is so volatile. A piece of advice in The News Straits Times can cause the market to come tumbling down drastically! It is the UMNO controlled newspaper that always highlight bad news and cause the market to become a bear market for some time!! Why can NST highlight positive news and avoid giving false news on the stock to cause massive panic?

Alkaline Water

Most mineral water is alkaline water which is good for health. But for older people, they may have to check their intake as it requires more body processes to absorb the water. Evian water is slightly alkaline at pH 7.2. Distilled water is pH 7 which is neutral and below that number is acidic. So far, my boss has joined venture with a friend in a college to sell bottled mineral alkaline water and his son is doing pretty well in KL so far, for an early twenties guy. As he could not study and graduate with minimal pay, he got into business at a young age with the financial support of boss and his dad.

Comfort in Baskin Robbins

I find comfort in savouring Baskin Robbins at Tapah Rest & Relax area along the North-South Highway in Malaysia. Little brother now has to finish my court booking system as a ready client keeps asking for the services. I also need to familiarize myself with the new admin with so many Wordpress functions that one can get overwhelmed if not used to blogging, adding plugins, etc. He's very well paid and promises free maintenance for as long as it is needed. By the way, Baskin Robbins ice cream offers 31% discount every 31st of the month, probably to get rid of old stock while allowing patrons to enjoy at a fraction of the price.

Working Hard for Retirement

I am working hard to save up for retirement. But apparently dad's medical expenses are pretty exorbitant, coating over RM 50k after 40 days in the private hospital and follow up sessions after stay in a second nursing home. I hope he gets well pretty soon and do the things he loves like attending church, talk to his friends, watch Astro and the like. Dad suffered 3 heart attacks in 6 months and I just hope he will have quality life in his golden years. I may not be the favourite child, but then again, he did take care of me and paid for many sessions of tuition and fetching me back and forth. Yes, he has done his part as a father, and now it is my turn to care for him in his golden years. The Bible says, Honour your parents and your life will be prolonged.

May Fly to JB this Friday

Well, there are plans to fly down to Johor Bahru this Friday, but the tickets are yet to be bought online and booked. Hence the boarding passes have yet to be printed. I am enjoying the current employment now that I get to travel and at the same time visit places of interests if time permits. We will rent Hertz rental car for 1 day and fly back at night, most probably. Just pray that we can secure the big project and convince the committee members to use our products. I guess, everything depends on God's timing and grace.

Flying to KL on Friday

The tickets have been booked and paid. The boarding passes for 2 have been printed for flying via Firefly this coming Friday. Well, there are sacrifices to be made when you wish to earn more. Nothing is free in this world and there will always be a catch if the goodies are too good to be true. Sometimes we have our arguments while other times I just forgive and move on. Life is to be enjoyed but at the same time, The Bible teaches us to work hard with our hands and not to idle around; for idleness is the devil's workshop and that is Alzheimer's disease or Dementia. God has blessed my family that none of us have this history. Manage stress well and you will be all right including being in the pink of health. I love flying in the plane and got used to booking online which is paid by the company.

I Love my JOB!

For most people, a JOB is Just Over Broke! But for me, it is Joy On Board! I get the remunerations of a manager in an MNC in Bayan Lepas, the silicon valley of Penang. But being bedridden and sick, can set one back by the tens of thousands in a jiffy! Therefore, always take care of your health and don't take it for granted that you will always be in the pink of health all the time. Age catches up slowly and before you know it, it is time to retire in your golden years, hopefully and not woeful ones. There are bills to pay, food to buy and put on the table, property assessment tax, car road tax and such. I get paid Medical Leave, SOCSO and EPF. These are the benefits of working hard for an SME to prosper and to pay you your salary in a timely manner.

Hoping my Brother Works Hard

I pay USD 10 monthly to get more bids using my credit card and I hope younger "brother" will work hard at getting bids and jobs and work every day, just like I do - blogging constantly and working by the computer frequently. Perhaps writing may not need so much brain power and he needs to rest; so I will just let it be. And I hope to get my returns in the investment and joint account. He has the knowledge, but I hope he also uses it productively. Sleeping in is so inviting and comfortable. But lazy hands will bring about poverty and one will go hungry. Be like the ant; working hard, storing food up for winter like retirement so that it will be golden and not woeful.